Make your money work for you
Website changes Again, I didn’t publish any portfolio report last month 🙁 However, I’ve updated several reviews to bring them up-to-date. Noteworthy news from the crowdlending world Two more platforms are likely to be added to the already long list of platforms gone rogue. Looking at the bright side, most likely scams are now confirmed, … Read more Crowd-lending portfolio review for July 2020
Debitum Network’s overview offers to invest in business loans and invoice financing; the interest rates vary between 6% and 11%, with durations from a few days to two years. Most loans are secured by a buyback guarantee. My opinion on Debitum Network ‘s solid risk management will strongly appeal to conservative investors. I tend to … Read more Debitum Network review
Warning ! This platform is currently in my blacklist After both Kuetzal and Envestio proved to be scams, I became much more cautious and decided blacklist several platforms; is one of them. Initially, as this platform received much less bad press than or , I was giving it the benefit of the doubt. Unfortunately, a … Read more TFGcrowd review
Flender’s overview is specialized in loans for Irish businesses. They’re usually rather long-term (1 to 3 years), and annual yields vary between 8% and 12.9% (even 15.9% for speculative loans). No buyback guarantee is provided. My opinion on Flender is a great way to finance businesses in Ireland. The returns are competitive and in spite … Read more Flender review : crowdlending for Irish SMEs
EstateGuru’s overview EstateGuru focuses on real-estate loans. The projects are rather conservative, usually yielding around 11% for durations of one year or more. My opinion on EstateGuru While the interest rates offered by EstateGuru‘s projects are lower than at or , they provide great investment opportunities for those who want a more conservative portfolio. It’s … Read more EstateGuru review
An much reduced number of P2B platforms In early 2020, many platforms offering P2B (peer-to-business) loans proved to be scams : Kuetzal disappeared first in January, shortly followed by Envestio. The bad news weren’t over for investors as in April, Monethera announced its wind-down, followed by Grupeer. With two additional platforms currently in my blacklist, … Read more Real-estate and business crowdfunding platforms
The #1 risk when investing in loans A borrower who doesn’t reimburse the loans is obviously the greatest risk when investing in P2P loans or through real-estate or business crowdfunding. In this article, we’ll examine the possible outcomes, based on real-life situations. Loans covered by a buyback guarantee Most P2P lending platforms offer loans covered … Read more Default risk : what if the borrower doesn’t pay ?
Crowdestor’s overview Crowdestor offers real-estate and business loans. Their interest rates are usually in the 14%-20% range, for durations varying from one to two years. A partial buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of a loan is delayed by more than a given delay … Read more Crowdestor review
CrowdEstate’s overview CrowdEstate is a leading platform for real-estate and business loans. The real-estate projects became more conservative in 2018, and now yield around 10%-12% yearly. On the other hand, the long-term business loans are still somehow speculative and offer 16% returns. My opinion on CrowdEstate Although I still appreciate the large supply of loans … Read more CrowdEstate review
Peer-to-peer marketplaces in a nutshell While 2018 saw marketplaces for real-estate and business loans gain a lot of traction, P2P loans are still the most obvious way to invest in loans. Moreover, as in early 2020 several P2B (peer-to-business) platforms proved to be scams, I expect that many investors will return to less risky, more … Read more P2P lending platforms comparison